P

Punjab & Sind Bank

PSB
Market snapshot · 2026-08-11 04:58 UTC

₹23.68

+₹0.01 (+0.04%)

MARKET CAP

₹16.80K Cr

STOCK P/E

12.2x

52W HIGH

₹32.46

52W LOW

₹20.50

BOOK VALUE

₹20.75

EPS

₹1.94

ROE

9.79%

SECTOR

Financials

GROSS NPA

2.21%

VOLUME

2.14L

P/B RATIO

1.14x

NET NPA

0.65%

Sector

Financials

Themes

Public BanksPsuPresident of India Portfolio
D
Dividend
₹30.78₹28.48₹26.19₹23.89₹21.59VolumeDAug '25Sep '25Nov '25Jan '26Mar '26Apr '26Jun '26Aug '26

AI Summary

✦ Clartha

Forecast

Analyst targets, estimate history, and probabilistic forward ranges for PSB.

Coverage check

Price Forecast

Current
₹23.68
High Target
—
Median Target
—
Low Target
—
Now₹23.68Aug '25Now12M Target
Price history (1Y)
Analyst target range

Probabilistic Range

Probabilistic lognormal cone using 1Y realized volatility and analyst-target drift when available.

Time horizonRange (₹)Probability
3M₹18.45 - ₹27.2180%
6M₹16.11 - ₹27.9180%
12M₹12.88 - ₹28.0080%
Realized vol: +30.3% · Drift: -17.5%

Revenue Forecast

₹ Cr
Jun '26Current₹3,213.0
Sep 2026 ETrend estimate range
High₹3,347.7Base₹3,099.7Low₹2,851.8
Sep '25: ₹2,999.0 · Dec '25: ₹3,042.0 · Mar '26: ₹3,030.0 · Jun '26: ₹3,213.0 · Sep '26: ₹3,099.7 · Dec '26: ₹3,144.2
Sep '25Dec '25Mar '26Jun '26Sep '26 EDec '26 E2,999.03,042.03,030.03,213.03,099.73,144.2
PastCurrentTrend estimate: Low / Base / High

EPS Forecast

₹ / share
Jun '26Current₹0.47
Sep 2026 ETrend estimate range
High₹0.58Base₹0.52Low₹0.46
Sep '25: ₹0.42 · Dec '25: ₹0.47 · Mar '26: ₹0.59 · Jun '26: ₹0.47 · Sep '26: ₹0.52 · Dec '26: ₹0.58
Sep '25Dec '25Mar '26Jun '26Sep '26 EDec '26 E0.420.470.590.470.520.58
PastCurrentTrend estimate: Low / Base / High
Analyst price target unavailable from FMP/yfinance. EPS forecast unavailable from FMP/yfinance. Analyst pillar unavailable from FMP/yfinance.
Market Intelligence

Multi-factor synthesis of 5 key dimensions

Overall Outlook
Neutral
72%
Analyst Consensus
Unavailable

Analyst coverage unavailable

Mean upsideNot available

Fundamentals

Moderate

Fundamentals institutional score is 52 using EVA spread proxy -2.2%; growth durability 75.3.

Valuation

Attractive relative to peers

Valuation institutional score is 88 using relative multiple z-scores where peer dispersion is available.

Analyst Consensus

Unavailable

No usable analyst target or recommendation data was available.

Technical Structure

Strong Trend

Technicals institutional score is 86 using EMA-20 continuation within 5% tolerance; VCP range/volume contraction proxy.

Market Sentiment

Neutral backdrop

Recent news flow is balanced or not decisive enough to tilt the tape. Based on 10 recent ticker-linked news items.

Signal Summary

Market intelligence remains Neutral. valuation and technical structure provide support, while fundamentals remain considerations.

Composite weights: Fundamentals 25%, Valuation 20%, Analyst Consensus 20%, Technical Structure 20%, Market Sentiment 15%.

Fundamentals ModerateValuation Attractive relative to peersTechnical Structure Strong TrendMarket Sentiment Neutral backdrop

Key Data Points

Mean Target PriceUnavailable
Mean UpsideNot available
Technical Score86%
Fundamental Score52%
Data CoverageMedium

Important Note: This is market intelligence, not investment advice. Always conduct your own research and consider your financial goals and risk tolerance.

Valuation Metrics

Trading 39.4% below historical median. Valuation is declining — currently in the strongly undervalued zone (z-score: -1.19). Confidence: 66%.

Forward Valuation Outlook

Forward outlook is unavailable because live next-12-month estimate data is not available for this ticker right now.

P/B
Strongly Undervalued

5Y Average

1.39

Current

1.14

Overvalued

1.60

Undervalued

1.18

P/E
Strongly Undervalued

5Y Average

16.64

Current

12.21

Overvalued

26.41

Undervalued

14.23

P/S
Strongly Undervalued

5Y Average

4.72

Current

3.46

Overvalued

6.19

Undervalued

2.96

Peers & Comparison

Sector: Financials · Theme: Public Banks

Public Banks Peers8 peers
Avg P/E: 24.8x
CompanyRev. GrowthMarginP/Evs Avg52W Perf.
UCO BANK
UCOBANKPublic Banks
+53.0%21.5%
11.7x
Undervalued
-53% vs avg
-7.8%
INDIAN OVERSEAS BANK
IOBPublic Banks
+48.1%36.6%
11.3x
Undervalued
-54% vs avg
-6.4%
BANK OF INDIA
BANKINDIAPublic Banks
+18.5%35.0%
5.3x
Undervalued
-79% vs avg
+24.2%
BANK OF MAHARASHTRA
MAHABANKPublic Banks
+21.8%53.4%
7.9x
Undervalued
-68% vs avg
+41.7%
PNB HOUSING FIN LTD.
PNBHOUSINGHome Financing
+5.8%61.4%
12.9x
Undervalued
-48% vs avg
+49.8%
CANARA HSBC LIFE INS CO L
CANHLIFEInsurance
+20.4%1.1%
108.8x
Premium
+339% vs avg
+36.6%
CANARA ROBECO AMC LIMITED
CRAMCAsset Management
+20.2%45.6%
23.7x
Fair
-4% vs avg
-12.8%
INDIAN RENEWABLE ENERGY
IREDASpecialized Finance
+23.7%46.0%
17.0x
Undervalued
-31% vs avg
-17.2%
WHY THESE PEERS

PUNJAB & SIND BANK trades at a discount (12.2x vs peer avg 24.8x), suggesting potential undervaluation relative to the Public Banks cohort. Peers include UCO BANK, INDIAN OVERSEAS BANK, BANK OF INDIA — selected based on business model, industry classification, market cap similarity, and business theme alignment.

Financials

Real statement data for revenue, earnings quality, conversion, and balance-sheet coverage. Monetary values are shown in Rs crore.

Latest revenue

₹3.21K CrJun 2026

Latest net profit

₹332 CrJun 2026

Free cash flow

₹-2.13K CrMar 2026

Net Profit

₹332 CrProfit conversion

Performance

Bars show revenue and net profit. The line shows net margin.

Rs crore + margin %
Q1 '26Q2 '26Q3 '26Q4 '26Q1 '270.00 Cr850 Cr1.70K Cr2.55K Cr3.40K Cr
  • Revenue
  • Net income
  • Net margin %

Revenue to profit conversion

Bridge from operating numbers to profit for the latest reported period.

Rs crore
Total incomeInterestOtheradjustmentsProfitbefore taxTax &minorityNet Profit0.00 Cr850 Cr1.70K Cr2.55K Cr3.40K Cr

Latest reported period: Jun 2026

Debt level and coverage

Debt, cash and free cash flow compared on the same crore scale.

Rs crore
Debt free
Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026-60.00K Cr0.00 Cr60.00K Cr1.20L Cr1.80L Cr
  • Free cash flow
  • Cash & equivalents

Results

MetricJun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue +2,3162,4062,4912,4812,6522,7392,9313,1592,9112,9993,0423,0303,213
Interest1,5781,7311,7521,7921,8021,8661,9922,0372,0102,0492,0562,0552,175
Expenses +6826489208758319249021,3561,0469671,037787920
Financing Profit5627-181-18619-5236-234-146-17-51188119
Financing Margin %2%1%-7%-8%1%-2%1%-7%-5%-1%-2%6%4%
Other Income +179268362413194359338677469374507427332
Depreciation0000000000000
Profit before tax234295181227213307375442323357456615451
Tax %35%36%37%39%15%22%25%29%17%18%26%31%27%
Net Profit +153189114139182240282313269295336422332
EPS in Rs0.230.280.170.210.270.350.420.440.380.420.470.590.47
Gross NPA %6.80%6.23%5.70%5.43%4.72%4.21%3.83%3.38%3.34%2.92%2.60%2.40%2.21%
Net NPA %1.95%1.88%1.80%1.63%1.59%1.46%1.25%0.96%0.91%0.83%0.74%0.79%0.65%
Raw PDF

All values in ₹ Crores unless otherwise stated. Source: Screener Master (Standalone).

Shareholding Pattern

HolderJun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters93.85%93.85%93.85%93.85%93.85%
FII0.25%0.16%0.16%0.15%0.14%
DII4.08%4.03%4.00%3.90%3.81%
Public1.82%1.96%1.99%2.09%2.21%
Others———0.01%—
Jun 2026
Promoters
FII
DII
Public

Events Timeline

Annual Report FY26

FY2026PDFCompany Reports Open

Shareholder Meeting / Postal Ballot-Outcome of AGM

Jul 28, 2026PDFCompany Reports Open

Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome

Jul 27, 2026PDFCompany Reports Open

Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome

Jul 20, 2026PDFCompany Reports Open

Announcement under Regulation 30 (LODR)-Newspaper Publication

Jul 20, 2026PDFCompany Reports Open